The maximum interest on Sberbank deposits, for individuals for 2017: rubles - 6.49% per annum (on the days of the promotions - up to 10.00% per annum), dollars - 1.06%, euros - 0.01%.

We are already accustomed to the fact that the interest on Sberbank deposits is the lowest among similar “products” of other Russian banks.

The policy of the bank “makes it clear” that we are the “largest” and “reliable”, and you will still come to us, no matter what rates we approve.

Of course, the policy is “controversial”, because in almost all banks of the Russian Federation that accept deposits from the population, all amounts of Citizens are insured by the State (I now mean deposits up to 1.4 million rubles).

And about the "large" I will only say one thing - competitors represented by "VTB 24" (its "daughters" "Post Bank" - together, as they say "we are strong"), are rapidly opening new offices, developing a whole range of innovative financial programs and tools, are slowly being taken away from the dormant Sberbank, regular customers.

Well, okay, let's not understand the intricacies of banking policy, but let's focus on Sberbank's deposit programs.

2. Deposit program "Replenish" - with the option of replenishment

In contrast to the above program, in this deposit, there was a replenishment. You can replenish the deposit in the amount of 1,000 rubles, during the entire period of stay.

The maximum rate on deposits in rubles - up to 6.23% per annum.

Interest is accrued monthly, they can be transferred back to the deposit, i.e. use capitalization, or rent for “personal needs”.

Deposit term from 3 months to 3 years. Most favorable rates under the program "Replenish", "lie" in the time interval from 6 to 12 months.

The interest rate depends on the amount and term of the deposit (see table of interest).

You have the opportunity to increase the percentage current deposit, if you can replenish the deposit, up to the next amount gradation.

Deposit amount	3-6 months	6-12 months	1-2 years	2-3 years	3 years
from 1 000 ₽	5,20 (5,22*)	5,65 (5,72)	5,35 (5,48)	5,15 (5,41)	5,00 (5,38)
from 100 000 ₽	5,35 (5,37)	5,80 (5,87)	5,50 (5,64)	5,30 (5,58)	5,15 (5,56)
from 400 000 ₽	5,50 (5,53)	5,95 (6,02)	5,65 (5,80)	5,45 (5,74)	5,30 (5,73)
from 700 000 ₽	5,70 (5,73)	6,15 (6,23)	5,85 (6,01)	5,65 (5,97)	5,50 (5,96)
from 2 000 000 ₽	5,70 (5,73)	6,15 (6,23)	5,85 (6,01)	5,65 (5,97)	5,50 (5,96)

For deposits in dollars from 0.01 to 0.90% per annum. Very low rates on the euro - 0.01% per annum.

Minimum deposit amount: ₽ - 1,000, $ / € - 100.

For deposits of pensioners, the maximum rate of the time period applies, regardless of the amount of the deposit.

Early termination up to 6 months - “threatens” with recalculation of the rate by 0.01% per annum. With a “deposit life” of 6 months, you will retain 2/3 of the rate assigned on the opening day.

3. “Manage” deposit program – with replenishment and partial withdrawal

The “Manage” program allows the depositor to replenish and partially withdraw the deposit during the entire period.

Here is the lowest interest rate, figuratively speaking, the percentage difference “went” to pay for options.

The maximum you can get: in rubles up to 5.77% per annum(term 6 - 12 months, amount from 2 million rubles, capitalization), in dollars up to 0.60% per annum, euro - standard 0.01% per annum.

The minimum deposit amount (when compared with the above-described “products”) has slightly “grown up” - 30,000 rubles, 1,000 dollars / euros.

Partial withdrawal of money from the deposit is allowed only up to the level of the minimum balance. Withdrawals below this level are penalized with loss of interest (see early termination rules).

You can replenish the deposit from the amount: 1,000 rubles, 100 euros / dollars.

Accrued interest (calculation is carried out monthly), each depositor manages individually: either transfers for capitalization, or withdraws for “personal needs”.

Deposit amount	3-6 months	6-12 months	1-2 years	2-3 years	3 years
from 30 000 ₽	4,85 (4,87*)	5,20 (5,26)	4,60 (4,70)	4,35 (4,54)	4,10 (4,35)
from 100 000 ₽	5,00 (5,02)	5,35 (5,41)	4,75 (4,85)	4,50 (4,70)	4,25 (4,52)
from 400 000 ₽	5,15 (5,17)	5,50 (5,56)	4,90 (5,01)	4,65 (4,86)	4,40 (4,69)
from 700 000 ₽	5,35 (5,37)	5,70 (5,77)	5,10 (5,22)	4,85 (5,08)	4,60 (4,92)
from 2 000 000 ₽	5,35 (5,37)	5,70 (5,77)	5,10 (5,22)	4,85 (5,08)	4,60 (4,92)

* – interest capitalization rates.

Deposit term from 3 months to 3 years.

You can actively replenish your deposit and increase the bet by reaching the amount of the next gradation.

Early termination: up to 6 months of the "active" deposit - at a rate of 0.01% per annum, upon termination of 6 months - 2/3 of the interest rate valid at the time of opening is retained.

4. “Gift of Life” deposit program – charitable assistance

Contribution with the help of sick children who suffer from severe oncological, hematological and other diseases.

Charitable assistance consists in the fact that the bank, once a quarter, transfers 0.3% per annum (of the deposit amount) to the Gift of Life Charitable Foundation.

I think that among the contributors there are hardly any people who are indifferent to such assistance.

Maximum deposit rate - 6.45% per annum. Such interest is given on a deposit with capitalization.

If you do not want to use capitalization, then the base rate is 6.30% per annum.

The minimum deposit amount is 10,000 rubles. Savings are accepted only in rubles, for a period of 1 year.

The “Give Life” program does not provide for replenishment operations and partial withdrawal.

Interest is calculated every 3 months.

Early termination, as in other Sberbank programs: up to 6 months - recalculated at a rate of 0.01% per annum, after 6 months - 2/3 of the rate valid at opening is retained.

5. “Pension Plus” deposit program – special for pensioners

For pensioners who receive their pensions to the account of the Pension Fund of the Russian Federation, Sberbank has developed special program– “Pension Plus”.

I don't know where you can find a rate lower than in this "product". Interest rate with capitalization – 3.67% per annum in rubles.

The deposit is opened for a period of three years. The minimum opening amount is 1 ruble.

Let this contribution come with replenishment (unlimited) and partial withdrawal (up to an irreducible balance), but such low rate, for completely "impoverished" pensioners - this is "shameful and insulting."

And dear pensioners can only be advised that if you decide to make a deposit in Sberbank, and want to replenish it and partially withdraw it, then pay attention to the Manage program, the rate there is 5.77% per annum.

Sberbank deposits for individuals in 2020 have become less attractive due to rate updates. How much favorable interest and offers the population today largest bank Russia, read on this page. The calculator will help you calculate your income.

Sberbank of Russia in 2020 offers its customers several types of profitable deposits for individuals:

1. ;

2. ;

3. .

Basic and premium deposits can also be divided into three large groups depending on the ability to manage funds. To choose the right one, you need to understand why you put money in the bank.

You can issue them in rubles and dollars. The bank temporarily does not open new deposits in euro, offering to use in euro at a rate of 0.01% per annum.

Pensioners receive special benefits when making a deposit at Sberbank. They will receive maximum percentage from the minimum amount on deposits "Save" and "Replenish". See more

But there is also a special deposit for receiving retirement income - "".

Note that all deposits in Sberbank today have the possibility of interest capitalization.

Deposits in Sberbank for individuals: interest and conditions

In 2020, Sber updated the rates for deposits in rubles and dollars. Read at what percentage you can open basic deposits Sberbank for individuals today. Compare terms to find the best option for you.

Deposit calculator

Sberbank deposit "Save"

You should pay attention to this deposit for individuals if you need to securely save money and receive a guaranteed stable income. Putting in the bank a large sum, you can rent monthly good interest.

(+) Plus: high interest rate.

(-) Minus: there is no possibility of replenishing the account and partial withdrawal of money without losing interest.

Conditions

• Term: from 1 month to 3 years;
• Currency: Rubles / Dollars;
• Amount: from 1,000 ₽ / 100 $;
• Replenishment: no;
• Partial withdrawal: no;
• Capitalization: yes.
• Interest accrual: monthly withdrawal or capitalization.

Interest rate

from 1000 capitalization
from 100000 capitalization
from 400000 capitalization

In dollars

from 100 capitalization
from 3000 capitalization
from 10000 capitalization
from 200000 capitalization

Deposit "Save Online"

The conditions of this deposit of individuals are similar to the “Save” deposit, only it is opened via the Internet. And interest rates are the same today.

Few? Look at the interest rate on deposits at VTB Bank today.

Sberbank deposit "Replenish"

This deposit will be of interest to those who prefer to save and regularly save money. You cannot withdraw the invested money, otherwise you will lose interest. But the interest itself, which is accrued monthly, can either be withdrawn or added to the deposit amount, that is, capitalized.

(+) Plus: it is possible to replenish the account.

(-) Minus: there is no possibility of partial withdrawal of money without loss of interest.

Conditions

• Term: from 3 months to 3 years.
• Currency: Rubles / Dollars;
• Amount: from 1,000 ₽ / 100 $;
• Replenishment: yes.
• Partial withdrawal: no.
• Capitalization: yes.

Interest rate

In dollars

from 100 capitalization
from 3000 capitalization
from 10000 capitalization
from 200000 capitalization

Deposit "Top Up Online"

The conditions of this deposit for individuals are similar to the “Replenish” deposit, only it is opened via the Internet. And the stakes are the same.

Doesn't fit? See deposit rates at Rosselkhozbank -

Deposit of Sberbank "Manage"

main feature of this deposit is that the depositor will be able to withdraw part of the funds at any time without losing interest. The main thing is that the so-called “minimum balance amount” remains on the account. It can be equal to 30, 100 or 400 thousand rubles. The deposit can also be replenished. And the interest accrued monthly can be withdrawn or capitalized.

(+) Plus: there is the possibility of replenishing the account and partial withdrawal of money without losing interest.

(-) Minus: low interest rate.

Conditions

• Term: from 3 months to 3 years.
• Currency: Rubles / Dollars;
• Amount: from 30 000 ₽ / 1000 $;
• Replenishment: yes;
• Partial withdrawal: yes;
• Capitalization: yes.

Interest rate

In dollars

from 100 capitalization
from 3000 capitalization
from 10000 capitalization
from 200000 capitalization

Deposit "Manage Online"

The conditions of this Sberbank deposit for individuals are similar to the Manage deposit, only it is opened via the Internet. And interest rates are the same today.

See also the 50 most profitable deposits to date.

Deposits with higher rates

These are premium deposits that not all individuals can open, but only the owners of the Premier or First service packages. They have higher interest rates, but the minimum investment amount also corresponds to the premium status of clients.

• From 700,000 rubles or $50,000 for Premier package holders;
• From 5 million rubles and 150,000 dollars for clients with the First package.

Other conditions for premium deposits are the same as for basic ones.

Contribution "Special Save"

Deposit with higher rates for owners of the Sberbank Premier or Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars. Depositing and withdrawing money (except for interest) before the end of the term is prohibited.

Contribution "Leader Save"

Contribution "Special Refill"

This is a replenishable deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars. You can replenish your account, but you won’t be able to withdraw money from the deposit without losing interest.

Contribution "Leader Replenish"

This is a premium deposit with increased rates for owners of the Sberbank First service package. It is opened in the amount of 5 million rubles, 150,000 dollars or 150,000 euros.

Contribution "Special Manage"

This is a deposit with increased rates for owners of the Sberbank Premier or Sberbank First service package. It is opened in the amount of 700,000 rubles or 50,000 dollars. Replenishment and partial withdrawal of money from the account is allowed.

Contribution "Leader Manage"

This is a premium deposit for owners of the Sberbank First service package. It is opened in the amount of 5 million rubles or 150,000 dollars. Replenishment and partial withdrawal of money from the account is allowed.

See interest on deposits at Raiffeisenbank -

Special deposits of Sberbank

These are, one might say, social deposits. They are intended to receive payments and benefits, as well as charity. However, this does not mean that they are less profitable. On the contrary, the “Give Life” deposit, for example, has an interest rate quite comparable to the “Save” deposit.

Contribution

This is a retirement income deposit. It is intended for individuals receiving a pension from the Pension Fund of the Russian Federation, non-state pension funds, as well as ministries and departments that carry out pension provision.

(+) Plus: there is the possibility of replenishing the account and partial withdrawal without loss of interest.

(-) Minus: low profitability, restrictions on the investment period.

Conditions

• Term: 3 years;
• Amount: from 1 ruble;
• Replenishment: yes;
• Interest accrual: every 3 months.
• Capitalization: yes.

Interest rate

3.50% per annum without capitalization;
3.67% per annum with capitalization.

Not enough? See the most profitable deposits for pensioners in banks

Social deposit

This is a special deposit for children left without parental care. It can also be issued by veterans or disabled veterans of the Great Patriotic War. The main feature of the deposit is that it can be opened in the name of an orphan child by legal representatives.

(+) Plus: the possibility of replenishment and partial withdrawal without loss of interest.

(-) Minus: low profitability, restrictions on the term and categories of clients.

Conditions

• Term: 3 years;
• Amount: from 1 ruble;
• Replenishment: yes;
• Partial withdrawal without loss of interest: yes;
• Interest accrual: quarterly.
• Capitalization: yes.

Interest rate

3.15% per annum without capitalization;
3.28% per annum with capitalization.

Sberbank's contribution "Give life"

This deposit is charitable. Part of the funds is directed to help children with oncological, hematological and other serious diseases. Every 3 months, Sberbank transfers an amount of 0.3% per annum of the deposit amount to the Podari Zhizn charitable foundation.

Conditions

• Term: 1 year;
• Currency: Rubles;
• Amount: from 10,000 ₽;
• Replenishment: no;
• Partial withdrawal: no;
• Capitalization: yes.

Interest rate

4.50% per annum without capitalization;
4.58% per annum with capitalization.

Savings account of Sberbank of Russia

Savings account for free and confident management of money on a daily basis.

Conditions

• Term: Indefinitely;
• Currency: Rubles / Dollars / Euro / others;
• Minimum amount: Unlimited;
• Replenishment: yes;
• Partial withdrawal: yes;
• Interest accrual: monthly.

Interest rate

• from 1.00 to 1.80 in rubles;
• 0.01 in US dollars, 0.01 in euros, Canadian, Hong Kong and Singapore dollars, Chinese yuan, and pounds sterling.

How to draw up Sberbank deposits for individuals

Opening a deposit at Sberbank is easy, the main thing is that you have money that you can deposit with the bank!

1. In the office. To make a deposit, it is enough to contact any of the bank branches with money and a passport. Sberbank employees will complete all the necessary paperwork, and you will only have to sign where required.

2. Online. If you are already a client of Sberbank and use the Internet Bank, then you can open a deposit without leaving your home. Log in to the Internet bank, select the appropriate deposit and click the "Open deposit" button.

3. At an ATM. Use the nearest ATM and follow the instructions on the monitor.

Can I open multiple deposits at once?

Yes. The client can make any number of deposits.

Can I open a deposit for another person?

Yes. To open a deposit for another person, you need your passport and a notarized photocopy of the passport of the person for whom the deposit is being made.

Is it possible to open a “family” deposit for several people at once?

No. The deposit is opened only for one person. But the client can issue a power of attorney to manage the deposit for free. Using it, you can withdraw money and receive account statements, replenish a deposit, as well as close it or transfer funds to another account. To issue such a power of attorney, you must contact the office of Sberbank. Moreover, a trusted person does not have to come. The document is valid for 10 years.

Conditions for early termination

In any unforeseen situation, if customers need money ahead of time the end of deposits, they can always be received.

Early termination of deposits "Save", "Replenish", "Manage" and "Give Life" is subject to the following conditions:

1. For deposits for up to 6 months (inclusive) - at an interest rate of 0.01% per annum;

2. For deposits for more than 6 months:

During the first 6 months of the main (extended) term - based on the interest rate of 0.01% per annum;
after 6 months of the main (extended) period - based on 2/3 of the interest rate, established by Sberbank By this species deposits on the date of opening (prolongation) of the deposit.

At early termination deposits, interest is recalculated without taking into account the monthly capitalization!

In case of early withdrawal of the deposit "Pension-plus of Sberbank of Russia" the rate set on the date of opening (prolongation) of the deposit does not change.

FAQ

? What is an irreducible balance?
This is the minimum amount that must be kept in your account during the term of the deposit.

? What's happened maximum amount contribution?
This is the amount of the deposit at the end of the day of the date of opening or prolongation of the deposit, increased by 10 times.

? What is interest capitalization?
This is a monthly addition of accrued interest to the deposit amount. As a result, in subsequent periods, interest is accrued both on the deposit and on this interest, and the deposit grows faster. The rate on a deposit with capitalization is higher than without capitalization.

? How can I withdraw accrued interest?
Interest can be withdrawn at any time in whole or in part. You can get them through Sberbank Online or at a bank office.

? Under what conditions is the deposit renewed?
If you have not withdrawn the money at the end of the deposit period, then it is automatically extended on the terms and at the rate that are in effect on the date of prolongation. So the percentage may change. If the deposit is no longer valid, then it is extended on demand at a rate of 0.01% per annum, as specified in the agreement.

Conclusions: what are the benefits of deposits of individuals in Sberbank

In an unstable economic time in our country, few dare to do bank deposits. However, if you really make a deposit, then only in a reliable, stable bank, which was practically not affected by the times of crisis. This is exactly what Sberbank is, serving a third banking system countries.

If you open a deposit, then only in Sberbank. This is how the Russians think and trust the bank with funds. Consider the entire line of deposits of Sberbank of Russia in 2020 with interest rates for today.

Problems in the economy did not shake Sberbank and bank deposits remained profitable. There are new offers, with new conditions and rates.

The previously popular line of Sberbank deposits for individuals in 2020, “Save Online”, “Replenish Online”, “Manage Online”, “lost” a little as a percentage, but not everywhere. Rates for some types of deposits are lower by an average of 0.5–1%, but there is also an increase of 0.15–1.8%, especially for foreign currency investments. The rates for deposits opened online or at the bank office have become different. If you open a deposit online via the Internet on the official website of Sberbank, then your rate will be on average 0.15% higher than if you open a deposit with the same name, but at the bank office. Sberbank, thus, encourages its future and current customers to move to the Internet.

It is worth noting that the conditions for deposits for pensioners have become more interesting. In 2020, Sberbank raised interest rates on savings, savings deposits and pension accounts.

Sberbank term deposits in 2020

Today, Sberbank offers six types of term deposits.

"Save"

This deposit in Sberbank promises reliable preservation and replenishment of your savings. The interest rate on the deposit varies from 4.05 to 5.75% per annum, if the deposit is in rubles, from 0.01 to 1.85% in US dollars.

Deposit term from 1 month to 3 years. It is impossible to replenish the deposit or partially withdraw funds during the initially declared period. Minimum deposit amounts: 1,000 rubles, 100 dollars or 100 euros.

Interest on the deposit is accrued every month and is automatically added to the deposit amount, so that in the next month they are already accrued on the increased amount. Accrued interest on the deposit can be cashed out or transferred to the account bank card Sberbank.

"Replenish"

The interest rate on this deposit is from 4.6 to 5.3% per annum, for deposits in rubles. For dollars and euros - from 0.01 to 1.45% per annum. You can invest for a period of 3 months to 3 years inclusive. The deposit remains replenished. However, it is impossible to reduce the initially invested or replenished amount. You can easily withdraw interest on the deposit and transfer it to your card. Minimum amount: 1,000 rubles, 100 dollars or 100 euros.

"Replenish" in the name of the child

Sberbank gives parents the opportunity to open a personal deposit on minor child, which can only be closed upon reaching the age of 18. The minimum amount for placement is 1,000 rubles or $100, and the rate will be 4.6–5.15% for ruble deposits and 0.01–1.15% for dollar deposits. The account is replenished by any person without restrictions, but savings are cashed out only when the age threshold is reached or through permission from the guardianship authorities.

"Control"

A feature of this deposit is the possibility of partial withdrawal of funds in the process of deposit, while not closing and not losing interest. Deposit interest rates are 4.3–5% for ruble deposits, depending on the amount of the deposit. Interest rate for dollars - from 0.01 to 1.35% per annum. Deposit term from 3 months to 3 years. The deposit can be replenished and partially withdrawn. You can manage the movement throughout the term of the deposit, hence the name. Minimum deposit amount: 30,000 rubles or 1,000 dollars.

"Social"

Special deposit for children left without parental care, and depositors with the status of a veteran or disabled veteran of the Second World War. It opens for 3 years, replenishes in free mode and is consumed if necessary. Interest is set at 4.75% per annum and accrues at the end of each quarter. "Earned" over initial capital funds can be transferred to a third-party account or returned to a deposit for subsequent capitalization. The minimum amount for making a deposit is 1 ruble.

"Gift a life"

This is a charitable contribution. Every 3 months, 0.3% per annum is transferred from the deposit to the fund for helping children with oncological, hematological and other serious diseases. The interest rate on the deposit is 5.65% per annum. The deposit is exclusively in rubles, and the minimum amount is 10,000. The deposit is issued for a period of 1 year, during this period it is impossible to replenish or partially withdraw funds.

Online deposits

In the line of deposits of Sberbank: "Save", "Replenish" and "Manage" - there are options for opening deposits with the same names via the Internet. The conditions are similar, but slightly different.

To open a deposit, go to the "Sberbank online" system or " Mobile bank”, select the section “Deposits and accounts”, then “Opening a deposit”. Be sure to read the conditions for placing and withdrawing funds on deposit accounts, then select the conditions and interest rates that suit you and click the "Continue" button. Fill out the application, where you indicate the amount and term credited to the deposit, then click "Open". After that, you can consider yourself a contributor.

Interest rates on deposits opened online via the Internet are higher by 0.15% per annum.

"Pension plus"

The "Pension Plus" deposit - why is it special? The essence of the contribution is that the pensioner does not withdraw the entire pension when he enters the account, but leaves part of the funds there for accumulation at 3.5% per annum in rubles. The term of the deposit is 3 years, during the entire period the “fireproof” amount can be replenished and partially withdrawn.

Deposits with higher rates

For owners of the Sberbank First or Sberbank Premier service package, deposits with increased annual interest rates are available. The standard annual rate increases by 1%, which, with an amount of at least 700-5000 thousand rubles. or 50-150 thousand c.u. bring the investor a high return. A similar deposit is made with personal manager or in personal online account for an individual period and with special conditions.

Special Accounts

In addition to standard consumer deposits, special deposits can also be issued at Sberbank. Among them:

• For social payments for the maintenance of the ward. The minimum initial payment for line activation is not set, replenishment and spending is free, and the rate is fixed at 3.5%;
• for the formation of the electoral account. No additional income on the balance and no restrictions on spending and creating an account;
• for the bidder. It is opened ahead of schedule, replenished unlimitedly and spent within the deposited amount with a yield of 0.01% annually.

savings account

It is an account for free and confident disposal of savings. Opened indefinitely, replenished and spent at the request of the depositor. Available in three currencies: rubles, dollars and euros. Annual rates range from 1-1.8% for ruble deposits and 0.01% for foreign currency investments. The higher the deposit amount, the higher the interest rate.

Current account

For daily use, a termless deposit in rubles without restrictions and accrual of 0.01% every year is suitable.

Poste restante

The basic deposit of Sberbank, which is valid indefinitely and offers unlimited movement limits on the account. Suitable for any world currency, including rubles, dollars, euros, pounds sterling, crowns and yen. The minimum amount and minimum balance is 10 rubles, 5 c.u. or $5 equivalent other banknotes. The deposit is replenished for any amount throughout the entire period of existence, and withdrawn up to the minimum entry fee. Interest in the amount of 0.01% is accrued quarterly, and in case of early demand, it is calculated according to the actual storage period.

It is worth noting that Sberbank deposits, of course, provide for early withdrawal of funds if you need them. However, it is not recommended to withdraw money ahead of schedule, as you will lose the accrued and future interest on the deposit. Interest rates at early withdrawal funds and closing the deposit are immediately reduced to 0.01%, regardless of how long the money has already lain on the account. You violate the terms of the deposit agreement, so the bank has the right to lower rates. Even if you have previously withdrawn or capitalized already accumulated interest, you will be given back the money, taking this interest back.

Sberbank ranks first in terms of the amount of funds raised, lending and other services. The fact that the bank is owned by the state adds to its credibility, and, together with favorable principles for placing deposits, it becomes a favorite among the institutions that Russians choose to store and grow their savings. Of course, some banks give conditions better than Sberbank deposits of individuals in 2017, their interest on deposits is much higher, but reliability is lame. The capital of Russia stands behind Sberbank, and this inspires confidence.

Sberbank deposits of individuals in 2017 suggest interest on deposits that cover economic risks, and moreover, they provide an opportunity to make good money. There are deposits with capitalization, in dollars and rubles, and options for retired people always have higher rates. The conditions of most deposits indicate that they can be terminated ahead of schedule, as well as replenished for any amount.

Sberbank customers who are registered in the Sberbank Online system will be pleased to know that the interest in 2017 on deposits made via the Internet is higher than for those made in bank branches.

How to choose a deposit for individuals?

The choice of a deposit at Sberbank for individuals in 2017 depends on interest on deposits, as well as individual conditions. It should be understood that a deposit is a transfer of your money to a bank for a specific period. Sometimes it is important to ensure the availability of these funds, as well as the opportunity to make more profit. Therefore, before choosing a deposit, you should analyze:

• What is the minimum down payment. This is the amount that the client deposits into the account when he opens a deposit. In 2017, at Sberbank, the first installment is 1, 10, 30 thousand rubles or 100, 1000 dollars (euros);
• for what period the deposit is placed. Sberbank offers deposits with a specific term. Usually it is up to 3 years, as well as indefinite;
• is it possible to replenish the deposit. Deposits with replenishment, as a rule, are more profitable: it is clear that the larger the amount, the higher the profit. In 2017, Sberbank has deposits with and without replenishment;
• is it possible to withdraw money. Sometimes money is needed urgently, and the easiest way is to simply withdraw it from the deposit. Therefore, in terms of accessibility Money, such contributions are preferable. You can withdraw money from the deposit only within certain limits, not lower than the minimum initial deposit, otherwise it is considered an early break of the deposit.

How to open a deposit in Sberbank?

In Sberbank, deposits of individuals in 2017 can be opened at a bank branch and remotely, but the interest on deposits will differ.

Opening an account in a branch

Opening a deposit at a branch is very simple, just come to Sberbank with documents. Employees will help you choose the best program, as well as fill out the contract. Money can be deposited into an account at the cash desk, terminal, and also transferred from a card account. Also, bank customers can download deposit documents from the official website of Sberbank, fill them out at home and simply bring them to the bank.

Opening a deposit online

The second way is to make a deposit using an Internet client or mobile application Sberbank Online. The user just needs to select deposits in the menu, fill out an interactive form and agree to the terms of the bank. Such Sberbank deposits of individuals in 2017 have higher interest rates on deposits, in addition, it is much faster and easier to issue them, because you do not need to go to the bank.

Principles for calculating interest in 2017 at Sberbank

Sberbank always develops several deposits with different conditions, so that each client chooses the option that is most acceptable in terms of the totality of conditions. The greatest attention is always paid to the interest rate, because the higher it is, the greater the profit. There are different Sberbank deposits of individuals in 2017, interest on deposits is calculated as follows:

• dynamic - the deposit rate is floating and depends on how much is on the account and for how long. Most Sberbank deposits are exactly like this: the higher the amount and longer term deposit, topics more interest. The difference between the minimum and maximum bet may be several percent. In such deposits, it is beneficial to leave the accrued interest on the account, since then the profit grows significantly;
• statically - the rate on the deposit is fixed, does not depend on the term of the deposit.

In addition, the interest on the deposit is affected by the currency in which it is issued. In ruble deposits, the rate is always higher and amounts to 4-6% in 2017, in foreign currency it fluctuates around the 1% mark.

Deposits for individuals in 2017, interest on deposits

All Sberbank deposits of individuals 2017 and interest on deposits are available on the official website page Term deposits. If the visitor is interested Additional Information, you can find it by clicking on the "Learn more" button.

To learn more

save

This is what the page with information about the contribution looks like.

Detailed information about Save

Interest can be withdrawn, sent to another card or left on deposit. The extension is automatic.

Replenish

This is a deposit for people who prefer to accumulate capital or collect money for some kind of purchase (event). Its conditions are optimal for these purposes:

Replenish

• dynamic rate - 4.9-5.2% (rubles), 0.1-0.9% (dollars), from 0.01% (euros);
• placement period - from 3 months to 3 years, and in euros from one to three years;
• the minimum own contribution is 1000 rubles, 100 dollars / euro.

The deposit can be replenished at any time by an arbitrary amount, as well as withdraw interest or transfer it to a card. It is not allowed to withdraw the body of the deposit before the end of the term (except in cases of break due to force majeure). Can be calculated online calculator your own income.

Calculation of income on the "Top up" deposit

drive

This deposit is preferable to those who want to save and accumulate money, but always have it at hand. Its conditions are somewhat stricter than others:

drive

• deposit rate - 4.62-5.41% (rubles), 0.01-0.6% (dollars), 0.01% euros;
• period of placement - as in the previous deposit;
• the smallest amount for down payment- 30 thousand rubles. or 1 thousand dollars / euro.

A big plus of the deposit is the ability to withdraw money at any time up to a fixed balance, as well as replenish it.

gift a life

This is a contribution offered by charity program Sberbank together with the Podari Zhizn Foundation. It is accepted only in rubles:

gift a life

• interest rate - 5.95% per annum;
• placement period - one year;
• the minimum deposit is 10 thousand rubles.

The deposit cannot be replenished or withdrawn until the end of the agreement with the bank. Interest here is calculated not monthly, but once a quarter, and part of the interest from the amount of the deposit is directed to the treatment of children with oncological and hematological diseases. The site has a credit card of the same name.

Map Give Life

savings account

In addition to the above, there are Sberbank deposits of individuals in 2017, whose interest on deposits is small, but they provide the best opportunity to save capital and earn at the same time. These include a savings account. It has a modest rate in rubles, only 1.5-2.3% per annum (depending on the amount), but on the other hand, you can withdraw money from it within unlimited limits and replenish it at any time. In essence, this is an account with free movement of money, on which interest is charged.

savings account

It is advantageous to open a savings account in foreign currency, since the interest rate in this case is almost the same as other deposits, but other conditions are much better.

You can view all Sberbank deposits for individuals 2017 and interest on deposits, as well as choose the best one using filters, on the page " bank calculator deposits at data.sberbank.ru/moscow/ru/person/contributions.